The content is accurate at the time of publication and is subject to change.

Most credit cards will not approve an applicant with bad credit and no income. Credit card issuers want to know that if they grant you a line of credit, you will be able to pay it back. However, there are circumstances in which a person with no income needs to get a credit card - a stay-at-home parent, for example, whose spouse provides income, or a student supported by a parent. In those cases, it might be best for the person who is not earning income to be an authorized user on their spouse or parent’s credit card account.

Having bad credit in addition to no income makes it even harder to get a credit card, but there are still options for you. Credit accounts like and offer approval with no credit check. They are not regular unsecured cards, however. They only allow users to buy merchandise from their catalogs or web sites.

A prepaid card may be the best option for you. These are not credit cards, but work like a credit card. You load money onto the card and use it until it is gone – think of it like a debit account. You may also want to consider a secured credit card, which requires a deposit to act as collateral on the line of credit.

tags : Prepaid Cards Shopping

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.